Monteck Carter - Chartered Accountants New Zealand

What does your Business Advisor actually do for you?

For a lot of Kiwi business owners, the honest answer is: file my returns and tell me what I owe at the end of the year.

And that's fine. Compliance is important. But if that's the full extent of the relationship, you're leaving a lot on the table.

Here's what a great Business Advisor should also be doing:

✅ Reviewing your margins and flagging where profit is quietly leaking
✅ Helping you understand your cashflow - not just your bank balance
✅ Talking through your structure and whether it's the right fit as you grow
✅ Giving you a view of the next 12 months, not just the last 12
✅ Being someone you can call when a big decision is on the table

The difference between a compliance accountant and a trusted advisor isn't about credentials. It's about the conversations you have - and how often you have them.

At Monteck Carter, we believe every NZ business owner deserves both.

📩 mc2ca.co.nz | 09 273 3682

Matariki - a time to reflect, remember, and look ahead. 🌟

This week we observe Matariki, Aotearoa's own New Year. A moment to honour those we've lost, celebrate what we've built, and set intentions for the year ahead.

For us at Monteck Carter, it's a reminder of why we do what we do - helping local business owners build something meaningful. Something that lasts.

Whether you're taking a moment to rest, spend time with whānau, or quietly thinking about the year ahead for your business - we hope it's a good one.

Ngā mihi o Matariki. 🌿

From the team at Monteck Carter

The power of 1%.

Most Kiwi business owners are looking for a big breakthrough. The game-changing client. The perfect hire. The product that takes off.

But the businesses we see grow most consistently? They're not chasing big leaps. They're making small, deliberate improvements - week after week.

Improve your debtor days by 1%. Tighten your gross margin by 1%. Reduce a recurring cost by 1%. Have one more proactive conversation with a key client each month.

Individually, none of it sounds dramatic. But compounded over 12 months, 1% improvements across five areas of your business can transform your bottom line.

Here's the maths: 1% better every day for a year = 37x better by year end. That's not a motivational quote. That's compounding - and it applies to your business just as much as your KiwiSaver.

The question isn't "what's the big move?" It's: where can we find your next 1%?

That's the conversation we have with our clients - not just at tax time, but every quarter.

📩 Let's find your 1%. mc2ca.co.nz | 09 273 3682

Tax dates come and go – but the decisions that shape your tax bill and cashflow are made months earlier.

That’s where having a proactive adviser in your corner makes all the difference.

At Monteck Carter, we don’t just step in when it’s time to file. We work alongside you throughout the year to:
• Turn your numbers into clear, confident business decisions
• Plan ahead for tax and cashflow so there are fewer surprises
• Spot issues early, before they become expensive problems
• Act as a sounding board when you’re weighing up big moves

Filing is just the finish line. The real value is the ongoing advice that helps you get there in better shape.

If you’d like to move from “once-a-year filing” to year-round support, let’s talk about how our advisory approach can help you run your business better.

📩 Talk to our team. mc2ca.co.nz | 09 273 3682

Today marks the end of the financial year for businesses on a 30 June balance date. 📁

Here's what to do right now:
✅ Pull together your bank statements, invoices, and receipts
✅ Reconcile your accounts in Xero or MYOB
✅ Note any outstanding debtors or creditors
✅ Flag any major asset purchases or disposals this year
✅ Book in time with your accountant.

Getting organised early means a faster, smoother process, and fewer surprises.

We're here to help.

🔗 mc2ca.co.nz | 09 273 3682

Final reminder - GST is due Sunday 28 June. ⏰

If you haven't filed yet, now's the time. IRD charges a late filing penalty from day one, so don't put it off.

Need a hand? Call us on 📞 09 273 3682 or visit mc2ca.co.nz

Your Accountant Should Be Asking You Hard Questions

Not just at tax time. Not just when something goes wrong.

A good business advisor is curious about your business year-round. They notice when your margins shift. They flag when your expenses are creeping up.They ask what you're planning, and then help you work out if it actually stacks up.

We work with Kiwi business owners who want that kind of relationship. People who are tired of dropping off a folder once a year and hoping for the best.

That's why we offer a complimentary client review, a no-pressure conversation where we look at how your business is tracking and work out where we can best support you.

If you've ever thought "I wish my accountant actually understood my business", that's the sign to make a change.

Get in touch to book your complimentary review today.

📞 09 273 3682 | mc2ca.co.nz

No tax agent? Your income tax return is due 7 July.

⚠️ Here's what you need to have ready: 📁 All income earned between 1 April 2025 and 31 March 2026
📁 Receipts and records for any deductions you're claiming
📁 Details of any rental income, dividends, or overseas income
📁 Any sole trader or self-employed income records If you do have a tax agent (like us), your deadline is extended, another good reason to get in touch before 7 July.

Don't leave it to the last week.

🔗 mc2ca.co.nz | 09 273 3682

The Monteck Carter family just got a little bigger. 🍼

Congratulations to Michael and Lucy on the arrival of their son, Harrison.

We are absolutely thrilled for you both - welcome to the world, little man.

Heads up employers, PAYE deductions are due 20 June.

As a small-to-medium employer, here's a quick checklist:

📌 File your employer schedule with IRD on time
📌 Pay the total deductions, PAYE, student loan, KiwiSaver, and child support
📌 Make sure any new employees have completed their IR330 tax code declaration
📌 Check that KiwiSaver contributions are correct for all staff. Late payments attract penalties and interest, it's not worth the stress.

Questions? We've got you.
📞 09 273 3682